Re: Will this hurt or help?

I was hoping for the entire account to be deleted if the furnisher won't be able to complete the report. I was hoping they would reflect the monthly timely payment in replacement to "No Data"

I read on the web: "You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous"

If months are being labeled as "NO DATA" when timely monthly payment were actually made, is this still considered "complete" report?

I was not hoping that they delete the delinquencies, but hoping that the account will be deleted all together if furnisher cannot complete the reporting.

Re: Will this hurt or help?

+1. While a late is a late, it did occur so it is not inacccurate. Just because there is "no data" reporting, it will not factor as negative. It just means that that file did not recieve or update information for that period. Thus, neither positively or negatively. You do not say what else is in your report, however generally speaking, deleting an entire trade line often hurts your AAOA. .According to a couple of my loan officers, a late payment or two after 4 years are mostly overlooked although they still report for seven years. I went from 8k to 25k on one credit card in the last four days with a 90 day late reporting about three years ago. That 90 day late was of course preceeded by a 60 day late and two 30 day lates, totalling four lates in a row. My account showed an additional late four years ago on a different account. IMHU, from tracking my Fico Score changes, it appears on my account that the lates have damaged most up to four years as I am now in the upper seven hundreds with the simulator showing over 800 in less than eighteen months.. Of course YMMV, best wishes for success!

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.